Hoping for a little help here. I work for a small business and the partners take good care of the two youngsters. We do not have a retirement plan of any nature. I asked one partner about a 401K and he said they had looked into it, but it was too expensive. I have briefly looked at the SIMPLE plan which aparently doesn't cost as much but has some limitations for maxing out the plan, but I'm not sure of any details.

How do I learn enough to present them with a proposal they can't refuse? I think they would be willing if I could show them the way...